Pricing Associate Director, Lending

4 months ago

Bristol, United Kingdom Lloyds Banking Group Full time

End Date

Tuesday 18 April 2023

Salary Range

£61,911 - £68,790

We support agile working - click here for more information on agile working options.

Agile Working Options

Hybrid Working

Job Description Summary

There couldn't be a better time to join our Lending & Working Capital team within Business & Commercial Banking (BCB), as we work to help support Small to Medium-sized Enterprises and make it easier for them to succeed. The team builds the products and services our customers need, delivering a compassionate banking experience throughout the life of their business. Our purpose has clear connection to the broader purpose of LBG, with the real ability to touch the lives of our customers, and to have an impact on the overall prosperity of the country.

Pricing underpins margin management of BCB's lending products and plays an integral role in delivery of our financial commitments. The pricing team own the pricing strategy and commercial management aspects. The role involves understanding and optimising Lending profitability by developing and improving Profitability models, reporting and analysing margin performance and developing pricing strategies for small business customers.

Job Description

The Pricing Associate Director will work closely with a wide range of partners from Finance, Distribution Channel, Platform, Credit Risk & Portfolio Analytics teams to build robust pricing and profitability capability as well as draw up effective proposals to share with Head of and Senior Product managers. You'll also be responsible for ensuring we adhere to all risk controls applicable to pricing, including regulatory compliance with CMA. This will be an excellent opportunity for you if you're keen to broaden your product knowledge, and further develop your technical capabilities.

Location & ways of working

Our team is based across our London, Bristol, Birmingham and Edinburgh hubs therefore we'll need you to be based a commutable distance from one of these areas. We work in a hybrid model, splitting our time between the office and working from home.

As a Pricing Associate Director, you'll:

  • Support internal customers to ensure their needs are met

  • Analyse key themes using data from a range of sources and identify possible impacts on the business

  • Own margin management for Business banking and take corrective actions where needed

  • Lead price change projects

  • Write and edit material for a variety of partners, tailoring the tone and content to match the needs and expectation of each audience

  • Support development and delivery of plans for financial management and risk controls from a pricing perspective

  • Identify short comings, then suggest and implement improvements to business practices

  • Understand internal risk controls as well as external regulations to ensure as a division we always adhere to these requirements

Essential skills:

  • We're looking for a Pricing professional who is passionate about data; It's essential that you have a strong numerical background and good attention to detail.

  • You should have the ability to understand financial concepts (e.g. margins, returns, capital etc), identify performance trends and translate them into practical pricing strategies that are in line with our strategic objectives.

  • You'll also need to have a commercial and strategic attitude.

  • You should be able to provide analytical solutions to business objectives and problems.

  • Desirable: Having a Financial Services/ Lending background is preferred but not essential, however having a sound understanding and/or interest in Business banking and a desire to apply and grow your technical skills with us, will be.

Interested? Apply today Together we make it possible.

In return for your expertise and creative thinking, you'd be working in a fully supportive team. We've got a fast paced and dynamic culture. We care deeply about development and this role provides a fantastic opportunity to widen your network as you collaborate with teams across the Group and work directly with our Senior Leaders in BCB.

Alongside a competitive salary (advertised range is for London, for Birmingham/Edinburgh/Bristol: £52,245 - £58,050) you'll receive;

  • Discretionary Performance Share Award

  • Generous pension contribution

  • A flex benefits cash pot you can adjust to suit your lifestyle (4% on top of your basic salary)

  • Private health cover

  • 30 days holiday plus bank holidays

We're an equal opportunity employer and deeply value diversity within our organisation. We'll ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

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